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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,853 | $58,587-30.3% | $83,322-51.0% | $64,173-36.3% |
| Participation rate | 52.0% | 72.0%-20.0pp | 77.8%-25.8pp | 69.6%-17.6pp |
| Annual return | -7.67% | 9.65%-17.3pp | 10.64%-18.3pp | 7.63%-15.3pp |
| Employer contribution / active EE | $0 | $2,098-100.0% | $3,379-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $6,687 | $4,654+43.7% | $5,565+20.2% | $3,470+92.7% |
| Admin fee / account holder | $389 | $9,279-95.8% | $7,540-94.8% | $4,887-92.0% |